The Research Of Credit Risk Management And Control System In WHS City Commercial Bank

Along with the reform process of China’s market economy will continue to step forward, city commercial banks face complex and changeful risk. A successful commercial bank must have a perfect risk management and control system. How to identify the risk, how to analysis and monitor risk, is a major challenge that commercial banks are facing. Therefore, the establishment of a more perfect risk control system is of great significance to the development of city commercial banks.The continuous rise of non-performing loan ratio has aroused people’s concern about the city commercial bank credit risk. WHS city commercial bank won the 2015 "best city commercial bank" honorary title, but some operation of WHS city commercial banks still exist many non-standard place. Risk management and control ability still needs to be improved. Combined the characteristics of WHS city commercial bank risk management business with the COSO enterprise risk management theory to analyze the risk control level from the internal environment, goal setting, risk identification, risk assessment, risk response and control measures, information and communication, monitoring eight aspects. The problems of WHS city commercial bank are pointed out:the first problem is the internal control environment, risk management and control technology is not mature, WHS commercial banks is lack of high-quality risk management personnel; secondly, the information system construction and communication mechanism is not perfect, thirdly, supervision and incentive mechanism is not perfect.According to the existing problems and control mechanisms, there are three aspects, the credit risk management consists of application management, process management and data management. The three aspects interact to promise the credit risk can be controlled in a low level. Risk management and control of WHS city commercial bank lies in the coordination between the three elements.Improving the WHS city commercial bank risk management and control system based on the framework of a comprehensive risk management theory and analysis of risk management and control mechanism. Process management is the main line of WHS commercial bank credit risk management,with application management based, and the data management supplied together to constitute the "Three" of the WHS city commercial bank credit risk management and control system. Three management platform keeps certain independence, and complement each other. The three parts constitute of a complete risk control mechanism model.Finally, the WHS city commercial bank credit risk management and control system needs a smooth environment and specific safeguards. Firstly, strengthening the construction of the internal control environment, WHS commercial bank need to study and improve risk management model to improve risk management and control technology. Then, finding more high-educated person to help the construction of the risk management system. Thirdly, improving the information and communication mechanism to realize the risk information sharing and risk control of the whole process. Finally, strengthen supervision and incentive mechanism construction to improve credit staff enthusiasm and the innovation ability.Through the above research, the WHS city commercial bank construct a credit risk management system and give a reference to other city commercial banks.